Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
—
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
Stop new transactions instantly through the Discover app if your card is lost or compromised
Complete protection from fraudulent charges with zero liability for unauthorized transactions
Never responsible for unauthorized purchases. Discover monitors every transaction and alerts you of suspicious activity.
Program & Transfers
Reviews & Analysis
Details & Terms
| Purchase APR | 17.49%–26.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| Discover Official | — | Discover Official |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page | |
| NerdWallet | — | NerdWallet |
Get your FICO Credit Score free on monthly statements and online, updated monthly with no credit impact.
Track your credit health with a free FICO score updated monthly in your Discover account
Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.
